Snapshot^SM Common Questions

Learn more about our Pay As You Drive^® program

Get detailed answers to your questions about Snapshot^®, our Pay As You Drive® (PAYD) program. If you have a new question about Snapshot or usage-based insurance, contact us.

What is Snapshot?
Snapshot, our Pay As You Drive program, is a type of usage-based insurance. After you enroll, you can earn a personalized car insurance discount—by driving less, in safer ways and during safer times of day. The better you drive, the more you can save, up to 30 percent.

Which states offer Snapshot?
Snapshot is available to car insurance customers in more than 30 states, shown on the map.

Does it cost anything to take my driving snapshot?
No, it’s free to enroll in Snapshot.*

What driving habits are included in my snapshot?
Your driving snapshot includes the number of miles you drive, time of day you drive and how often you make sudden stops. People who drive less, in safer ways and during safer times of day could get a discount.

What happens after enrolling in Snapshot?
In seven to 10 days, you'll receive a Snapshot device and details on where to plug it into your car. Then you’ll drive as you normally would to take your driving snapshot. You can track your driving by logging in to your policy.

How do I take my snapshot?
Once you get your Snapshot device in the mail, just plug it into your car’s diagnostic port (usually below the steering column) and drive as you normally would to take your snapshot. Then, log in to your policy to view your driving information and projected discount with Snapshot.

Will Progressive share Snapshot data with anyone else?
We won’t share Snapshot data with a third party unless it’s required to service your insurance policy, prevent fraud, perform research or comply with the law. We also won’t use Snapshot data to resolve a claim unless you or the registered vehicle owner gives us permission.

Learn more about how Progressive protects your privacy.

Can I change my mind after I've signed up for Snapshot?
Yes, you can cancel at any time, and afterward, we won’t use your driving data to determine your insurance rate.**

**Alabama customers - If you leave the program, up to 12 months of Snapshot data may be used for renewal pricing purposes, and the technology expense may continue to be applied to the vehicle until the end of the then-current policy term.

Could my rate go up based on my driving?
No, Snapshot won’t increase your rate.* And remember, you can track your projected discount online, and if you don’t think you’ll save money, you have the option to cancel Snapshot.

How can I improve my discount with Snapshot?
Safe habits like these will improve your potential discount with Snapshot:

• Gentle braking
• Driving fewer miles than the average driver in your state
• Minimizing driving during peak hours or between midnight and 4 a.m.

How can I see my projected discount with Snapshot?
Once you’ve plugged in the device, you can log in to your policy to see your projected discount.

How quickly can I get my discount with Snapshot, and how long does it last?
We’ll apply any discount you earn about 30 days* after you plug in your Snapshot device. Then, when you renew your policy, we’ll finalize your driving snapshot, and you can keep saving for as long as you’re insured by Progressive. If you make a significant change to your policy, we might ask you to take a new snapshot of your driving.

What information does the Snapshot device collect?
The Snapshot device collects:

• Time of day and vehicle speed, which helps determine how many miles you drive and how often you make sudden stops.
• When the device is connected and disconnected from the vehicle.
• Vehicle Identification Number (VIN).

The Snapshot device doesn't contain GPS technology or track vehicle location. It also doesn't track whether you're exceeding the speed limit.

Learn more about how Progressive protects your privacy.

Is the Snapshot device easy to install?
Generally, yes. The device plugs into your car's onboard diagnostic port, which in most cars is located near or beneath the steering column. If you need help finding the port, refer to our setup guide. If you have trouble installing the device, or it's uncomfortable for you to reach the port, please ask someone for help.

What type of driving reports can I view?
Once you log in to your policy, you can:

• Review specific trips.
• Get an overview of your driving habits.
• Track your driving by day of the week or time of day.

Is Snapshot available for all cars?
It’s available for most cars. Some aren't compatible with the Snapshot device, including vehicles older than 1996, which don’t have the diagnostic port that's required for you to use the Snapshot device.

Can I enroll multiple cars in Snapshot?
Yes, you can. Once you enroll your cars, you'll receive one Snapshot device for each car.

How long does Progressive keep the driving information I submit?
To meet our legal obligations to state departments of insurance, we keep information from Snapshot for the time we determine is required by law. Then, we’ll remove personally identifiable information and keep the generic data.

Learn more about how Progressive protects your privacy.

*Snapshot is not available in all states and situations.